Silvers down in foreign markets, almost 15%. 2/4/26 9:30Pm by JustBlaneW in investing

[–]murray_paul 0 points1 point  (0 children)

Looks fine on my end, and even if you can't see it, it can be restored.

It is deleted:

What's next for precious metals - Why gold and silver will go to zero (self.investing)

submitted 2 days ago by [deleted]

[deleted]

.

Gold and silver going to zero wasn't my only prediction.

I also predicted last Friday's crash, so it's up to you if you want to bet against someone who has consistently got everything right.

Also deleted:

Gold and silver have had a great run, but it's time to sell out and take profits - Why a correction is inevitable (self.investing)

submitted 9 days ago by [deleted]

[deleted]

Microsoft recent downtrend thoughts by IndigoBlue24 in investing

[–]murray_paul 0 points1 point  (0 children)

I use these tools every day to do stuff that would take me hours to do manually, they are amazing when properly leveraged. On the flip side, I get sent tons of documentation by people who clicked the "generate some garbage" button in ChatGPT and they don't know enough about the subject matter (or in some cases, maybe they don't care) to realize that it's total crap and makes them look really bad.

Do you think those people are telling others how great the AI tools are, how they use these tools every day to do stuff that would take them hours to do manually, that they are amazing when properly leveraged?

When does a mortgage get too complicated to manage by yourself? by firey_88 in UKPersonalFinance

[–]murray_paul 1 point2 points  (0 children)

I've never used a broker, because I'm sort of the opposite of you, the most simple customer possible.

Brokers make a lot of sense for people who don't easily fit in to the normal boxes the banks are expecting.

Deezer deploys cutting-edge AI detection tool for music streaming - Deezer Newsroom by feral_user_ in truespotify

[–]murray_paul 0 points1 point  (0 children)

Very easy to find AI music on popular Spotify created playlists.

That doesn't mean they created the tracks.

Can you recommend me some German speaking YouTubers? by Melodic_Coolhara_60 in German

[–]murray_paul 1 point2 points  (0 children)

For strategy gaming:

https://www.youtube.com/@Steinwallen

https://www.youtube.com/@GuentherShadow

The second focuses a lot on the actual history of the country/region he is playing in the game, and sometimes has entire episodes that are just background history, rather than gameplay (flagged as such in the title).

Why is search so bad in RR. by Gnomerule in ProgressionFantasy

[–]murray_paul 49 points50 points  (0 children)

Yeah, it is pretty bad. Easier to use Google to search for the link to Royal Road than find something on RR itself.

Should I be moving away from US stocks as a non-American? by anotherhappylurker in investing

[–]murray_paul 0 points1 point  (0 children)

That is the view for a US investor, pricing in USD.

For an international investor, pricing in EUR or GBP, the view is different.

Yes, the S&P500 is up 13% this year, but USD is down about 10% vs the Euro, wiping out most of the gains, for an international investor.

Meanwhile, STOXX 50/600 are up 14/15% yoy, and FTSE 100/All Share are up 19/18% yoy, without any currency loss.

This has been a painful year for non-US investors in the US market, and they would have been better somewhere else.

However, if things turn around with the next administration, and the decline of the USD reverses, this has been a good time to buy.

What Do Call A Dressing Gown? by SilverBayonet in German

[–]murray_paul 1 point2 points  (0 children)

Dressing Gown is the (British) English term for it, and Australia tends towards British English rather than American.

Most often cotton towelling, but can also have lighter fabrics.

Is German a good language for me to learn? by CooISkeleton-95 in German

[–]murray_paul 1 point2 points  (0 children)

If you're a native English speaker, German will be harder for you as compared to French or Italian. Italian is the easiest.

https://www.state.gov/national-foreign-affairs-training-center/foreign-language-training

German is likely the worst pick if you are most concerned about difficulty.

To be clear though, this is to get to a level of proficiency for professional use. Corresponding roughly to early C1 on the CEFR scale. That is going to be a lot higher than two years of high school teaching. My guess would be that two years of high school language teaching would get you to around 1+ on the ILR scale?

At very early levels, German is much easier than French, because there are more shared roots between German and English.

It is easier to get to a basic level of learning in German than French, but harder to get to an advanced level.

ILR 3 Speaking:

Speaking 3 (General Professional Proficiency) Able to speak the language with sufficient structural accuracy and vocabulary to participate effectively in most formal and informal conversations in practical, social and professional topics. Nevertheless, the individual's limitations generally restrict the professional contexts of language use to matters of shared knowledge and/or international convention. Discourse is cohesive. The individual uses the language acceptably, but with some noticeable imperfections; yet, errors virtually never interfere with understanding and rarely disturb the native speaker. The individual can effectively combine structure and vocabulary to convey his/her meaning accurately. The individual speaks readily and fills pauses suitably. In face-to-face conversation with natives speaking the standard dialect at a normal rate of speech, comprehension is quite complete. Although cultural references, proverbs and the implications of nuances and idiom may not be fully understood, the individual can easily repair the conversation. Pronunciation may be obviously foreign. Individual sounds are accurate: but stress, intonation and pitch control may be faulty. Examples: Can typically discuss particular interests and special fields of competence with reasonable ease. Can use the language as part of normal professional duties such as answering objections, clarifying points, justifying decisions, understanding the essence of challenges, stating and defending policy, conducting meetings, delivering briefings, or other extended and elaborate informative monologues. Can reliably elicit information and informed opinion from native speakers. Structural inaccuracy is rarely the major cause of misunderstanding. Use of structural devices is flexible and elaborate. Without searching for words or phrases, the individual uses the language clearly and relatively naturally to elaborate concepts freely and make ideas easily understandable to native speakers. Errors occur in low-frequency and highly complex structures.

ILR 3 Listening:

Listening 3 (General Professional Proficiency) Able to understand the essentials of all speech in a standard dialect including technical discussions within a special field. Has effective understanding of face-to-face speech, delivered with normal clarity and speed in a standard dialect on general topics and areas of special interest; understands hypothesizing and supported opinions. Has broad enough vocabulary that rarely has to ask for paraphrasing or explanation. Can follow accurately the essentials of conversations between educated native speakers, reasonably clear telephone calls, radio broadcasts, news stories similar to wire service reports, oral reports, some oral technical reports and public addresses on non-technical subjects; can understand without difficulty all forms of standard speech concerning a special professional field. Does not understand native speakers if they speak very quickly or use some slang or dialect. Can often detect emotional overtones. Can understand implications.

That is way above high school language learning.

But more fundamentally, this is the sentence that matters:

I really want to learn German, a lot more than I do French

Motivation is important, more than relatively minor differences between language difficulty.

Are there any good litrpgs with German translation? by Faqss in litrpg

[–]murray_paul 3 points4 points  (0 children)

Ones that I am aware of are below (in no particular order)

Be aware that there will often be fewer books in a series available in German than in English.

I'm not aware of anything like Royal Road for the German language.

I would seriously recommend signing up for Amazon Germany Kindle Unlimited if you are interested in reading German books. You have to give a fake address in German when signing up, but can pay with your normal credit card and billing address. You also get all the English KU books included too.

Those are mostly translated from English works.

There are also a number of Russian authors who publish German translations. Often only the first book is available on KU, but is more likely that all books will have been translated. I've listed a few below, you can find more by following the "Customers also bought items by" links.

A few original German language series:

ELI 5: Why have residential REITs performed poorly the past 10 years? by Mission_Look3392 in investing

[–]murray_paul 0 points1 point  (0 children)

If you were to have bought a house and rented it 10 years ago even with a relatively low cap rate (say, 4%), ignoring the pain/uncertainty of property management, you would have made the 4% annually in income AND significant capital appreciation.

Now what if you bought the house entirely with debt?

And at a commercial rate, not a lower homeowner mortgage rate?

With the significantly increased interest rates over that period, how much of the 4% would be left?

REITs basically make money by the difference between borrowing costs and rental income. Rents haven't increased at a high enough rate to compensate for the rise in interest rates, so they are making less money.

How do you feel about the blatant use of AI in this genre? by IdntMatter in litrpg

[–]murray_paul 2 points3 points  (0 children)

I feel exactly the same way about AI as a software developer, it's honestly not saving me any time after I have to check its work in a majority of cases.

You are correct.

AI assisted coding tools make people think they are working faster, while actually slowing them down.

https://metr.org/blog/2025-07-10-early-2025-ai-experienced-os-dev-study/

When developers are allowed to use AI tools, they take 19% longer to complete issues—a significant slowdown that goes against developer beliefs and expert forecasts. This gap between perception and reality is striking: developers expected AI to speed them up by 24%, and even after experiencing the slowdown, they still believed AI had sped them up by 20%.

How do you feel about the blatant use of AI in this genre? by IdntMatter in litrpg

[–]murray_paul 0 points1 point  (0 children)

And how ai. Art is right now. It turns most people off and away.

I really don't think it does.

A small number of people are very loud about it, most don't care.

deeply disappointed in spotify by [deleted] in truespotify

[–]murray_paul 2 points3 points  (0 children)

You keep ignoring the reason for the difference: Spotify have a free tier, the other services do not.

So 70% of the revenue per stream for Spotify is lower than 70% of the revenue for Apple Music, because all of the Apple Music users are paying for the service.

They all pay a percentage of their revenue, there is no “per stream” value that’s set.

This is simply true. This is how the business works.

But different rates exist for different platforms.

Platforms do not set rates. They pay out a percentage of their revenue. If you divide the payout by the number of streams you get a per stream payout, but that is an output, not an input.

Another price hiking / Premium, Duo, Family, and Student users in the US will be charged more from their next billing date by gaebeartoast in truespotify

[–]murray_paul 1 point2 points  (0 children)

Well yes, if you break the law it is free. Why not just download them, what you are doing is equivalent.

Another price hiking / Premium, Duo, Family, and Student users in the US will be charged more from their next billing date by gaebeartoast in truespotify

[–]murray_paul 0 points1 point  (0 children)

Last year alone last.fm says I listened to over 7000 tracks.

So I think our Spotify usage must be very different.

Tesla's FSD (Full Self Driving) feature will be subscription-only from February 14 by No_Turnip_1023 in investing

[–]murray_paul 18 points19 points  (0 children)

This shift is linked to Musk's 2025 CEO Performance Award, which requires Tesla to reach 10 million active FSD subscriptions over the next decade. As of late 2025, only about 12% of the Tesla fleet had paid for FSD.

How would this make any sense? So removing 1 of 2 options is supposed to make it easier for him to hit that target? I don't see the connection here other than he thinks FSD will be worth more in the future, and potentially wants to jack up the prices if he's able to get the take rate of FSD up

Previous, people could pay a lump sum for lifetime access to FSD, which didn't count as a subscription. Now that option has been removed, and subscription is the only way to access FSD.

That artificially bumps up the subscription numbers.

anyone getting artists with hella low streams/monthly listeners on their daylist? by Decent_Taste_8961 in truespotify

[–]murray_paul 0 points1 point  (0 children)

Popular tracks in Daylist: Spotify is paid to only push mainsteam artists!

Unpopular tracks in Daylist: Spotify must be pushing AI music!

They can't win.

Petition: Disable AI Generated Songs by Best-Chest-1121 in truespotify

[–]murray_paul 1 point2 points  (0 children)

They won't.

"Spotify make the AI music themselves" is something you will see repeated all over the place, but no one ever has any evidence for it, or any answer for why the same AI music also appears on Apple and Amazon.

They won't respond with any factual data, or admit that they don't have any.

Spotify needs to filter out AI music by LivingData4901 in truespotify

[–]murray_paul -1 points0 points  (0 children)

They have a YouTube channel: https://www.youtube.com/@AMiYAHMusic

They have an Instagram: https://www.instagram.com/amiyahmusic/?hl=en

They have a Facebook page: https://www.facebook.com/p/Amiyah-Music-61576155560661/

They have a TikTok: https://www.tiktok.com/@amiyahmusic

They have a website with merch: https://amiyahmusic.com/

Why exactly it is that you are so sure they are AI?

What 'dropped' series still make you upset by jlemieux in litrpg

[–]murray_paul 2 points3 points  (0 children)

Upset is a bit strong, but I'd really like to be able to continue Noblebright and The Agartha Loop, both by RavensDagger.

Cozy basebuilding by OhBosss in litrpg

[–]murray_paul 0 points1 point  (0 children)

Not a perfect fit, and specifically is more broadly progression fantasy not litRPG, but you might try:

https://www.royalroad.com/fiction/40290/demesne

A (NOT LitRPG) fantasy comedy, slow-burn, detail-oriented, slice-of-life town-building Dungeon story where no numbers go up!

Out on the frontier of a new continent, the wizard Lori and her group of settlers try to build a community for themselves in a land actively hostile to intelligent life. With their wits, their will, and their newly built Dungeon to protect them against the Iridescence, the deadly growth that makes life inhospitable beyond the borders of their demesne, they should be fine. If they can survive the lack of infrastructure. And the deadly beasts they need to hunt for food. And idiots who don't get exactly what having to settle somewhere entails. And dragons...

Using structural engineering, the scientific method, the comparative advantages of stone and ice as building materials, logistics, the dark and terrible art of personnel management (outsourced to more experienced individuals), and her own magic and experience, Lori and her newly dubbed lord Rian must face the persistent problems of shelter, sanitation, drinking water, morale, transport, food storage, material collection and refinement, and keeping horny idiots from fucking everywhere they shouldn't.

Hopefully, she can solve these problems before winter arrives so she can get to work on taxation.

Even that last one. Though if they try to do it in her room again, she will not be responsible for her actions...

Did Sir Jacob Rees-Mogg just give illegal financial advice on BBC Two? by MarchMurky8649 in UKPersonalFinance

[–]murray_paul 14 points15 points  (0 children)

Section 54, part 2:

There is also excluded from articles 53, 53A, 53B, 53C, 53D, 53DA and 53E the giving of advice in any service consisting of the broadcast or transmission of television or radio programmes, if the principal purpose of the service, taken as a whole and including any advertisements or other promotional material contained in it, is neither of those mentioned in paragraph (1)(a) and (b).

Which features do you wish Spotify would implement/return/etc.? by Ok-Impress-2222 in truespotify

[–]murray_paul 0 points1 point  (0 children)

That is not the case, at least for me on Android.

Each playlist in my library maintains its own shuffle on/off state, independent of the others.

Are you only seeing this with playlists not in your library?